Skoda Finance Redemption

I've bought 3 new Skoda since 2019 - took the discounts and the servicing every time then payed 'em off in the first 14 days - I never incurred any extra charge from VWFC but my bank, HSBC, charge around £20 for the draft - can't use a direct payment as there's a limit of £15k and VWFS won't accept 2 separate payments - other than that, it works fine.

I did notice that Honda have a couple of 'gotcha' clauses to prevent anyone doing the same thing with their 'incentives'..........